Legal & privacy
Last updated November 13, 2026
Educational use only — not advice
Retirement Account Modeler is provided solely for general educational and informational purposes. Nothing on this site, including projections, scenarios, comparisons, tax estimates, or responses to contact messages, is financial, investment, tax, legal, accounting, or insurance advice, or a recommendation to buy, sell, convert, withdraw from, or contribute to any account or product. Use does not create a fiduciary, client, or professional advisory relationship. Consult qualified professionals who can evaluate your circumstances before making decisions.
Estimates and limitations
Results are hypothetical illustrations based on your inputs and simplified assumptions, not predictions or guarantees of future returns, income, tax outcomes, or retirement security. Example balances are placeholders. The model uses constant returns and does not capture all risks, fees, account rules, eligibility requirements, or changes in law. Actual outcomes may differ materially. Investments can lose value. Insurance illustrations do not replace policy-specific disclosures or an in-force illustration. Independently verify calculations, tax rules, and assumptions; review the model’s Assumptions view for specific omissions.
No warranty; responsibility for decisions
The site is provided “as is” and “as available,” without warranties of accuracy, completeness, currency, fitness for a particular purpose, or uninterrupted availability, to the extent permitted by applicable law. You are responsible for independently evaluating information and your decisions. To the extent permitted by law, the site owner is not liable for losses arising from use of or reliance on the site. Nothing in this notice excludes liability or rights that cannot legally be excluded.
Copyright and third-party references
© 2026 Tomas Aparicio. All rights reserved in original site content and code to the extent owned by the copyright holder. Third-party names, trademarks, materials, and open-source software remain subject to their respective owners’ rights and licenses. References to tax authorities, Social Security, David McKnight, Power of Zero, or financial products are for educational context and do not imply affiliation, endorsement, or sponsorship.
Your model data
Your scenario inputs and settings are saved in your browser’s local storage so they persist on that browser. The app does not send those scenario inputs to the site owner with contact messages. Anyone using your browser profile may be able to see saved scenarios. You can remove saved model data by clearing this site’s browser storage. Avoid entering identifying or sensitive account information.
Contact messages
The contact form collects your name, email address, message, and submission time. They are stored in Lovable Cloud and are accessible to the site owner through private management tools to handle inquiries. Please do not submit sensitive financial details. Use the contact form for privacy questions or requests about your message. Contact messages are not used by the model to generate projections.
Visitor analytics
This site uses Lovable’s visitor analytics. With no analytics consent banner on this site, page visits, clicks, time on page, page speed, and errors are recorded for visitors. These analytics use no cookies, store nothing on your device, do not keep IP addresses, and do not identify visitors. They record pages visited, referring sources, country, browser, operating system, device type, how long visits last, how fast pages load, and errors. Detailed data is kept for 90 days and daily summaries for one year. Lovable collects this data for us. Lovable’s privacy policy explains how it handles it. This does not change the model’s separate local storage or the contact form’s stored messages.